billSMASH.com works directly with creditors that have receivables and debts owed to them. We are NOT a collection agency, in fact we provide a platform for collection agencies. We don't collect fees from consumers and will never charge consumers directly for our services. Consumers can make offers to participating creditors and settle their debts without signing up for expensive contingent programs. All payments are made directly to the creditor on our platform.
This is what a real debt settlement program looks like and we are smashing it!